Harmar Auto Insurance Rates, Quotes, Agents & Reviews in PA

Harmar, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Harmar, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Harmar, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Harmar, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Harmar, PA with that of other cities in and around Harmar.

Harmar Harwick Fox Chapel Springdale Verona O'Hara
Average Insurance Rates $1,393 $1,371 $1,806 $1,376 $1,360 $1,489

Harmar, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Harmar, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Harmar $1,280 $1,081
Oakmont $1,110 $938
Harwick $1,076 $909
Cheswick $1,142 $965
Fox Chapel $1,908 $1,611
Verona $1,421 $1,201
Springdale $1,362 $1,150
O'Hara $1,332 $1,125

Harmar, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Harmar, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,520
20 Years $1,790
30 Years $1,379
40 Years $1,326
50 Years $1,228
60 Years $1,245
70 Years $1,450

Harmar, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Harmar, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,368 $418
3 Vehicles $3,552 $627
4 Vehicles $4,736 $836

Savings on 2 Vehicles bundle:$418

Savings on 3 Vehicles bundle:$627

Savings on 4 Vehicles bundle:$836

Harmar, PA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Harmar, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Harmar $1,393 $2,193
Oakmont $1,447 $2,278
Harwick $1,371 $2,158
Cheswick $1,392 $2,191
Fox Chapel $1,806 $2,843
Verona $1,360 $2,141
Springdale $1,376 $2,166
O'Hara $1,489 $2,344

Harmar, PA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,195
Excellent (740-799) $1,364
Good (670-739) $1,452
Average (580-669) $1,894
Poor (300-579) $2,272

Harmar, PA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Ken Mihalcin Allstate 3336 Babcock Blvd Rear, Pittsburgh, 15237 (412) 367-2124
Hanley Agency Travelers 4211 MURRAY AVE, PITTSBURGH, 15217 412-422-7900
Mike Newell State Farm 4772 Liberty Ave, Pittsburgh, 15224-2040 412-621-0600
Chad Gregorini State Farm 7 Brilliant Ave, Aspinwall, 15215-3117 412-784-8855
The Wagner Agency, Inc None 5020 Centre Ave Pittsburgh, PGH, 15213 None
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Aaa East Central Insurance Agency Inc Travelers 5900 BAUM BLVD, PITTSBURGH, 15206 800-842-5075

Harmar, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$61 $1,454
Driver's Failure In Showing Documents +$135 $1,528
Driving With An Expired Registration +$143 $1,536
Driving At A Considerably Slow Pace +$302 $1,695
Using A Cellphone While Driving +$319 $1,712
Running A Red Light +$325 $1,718
Speeding +$341 $1,734
Driving A Vehicle Without The Required Permission +$433 $1,826
Driving With An Expired/Suspended License +$939 $2,332

Harmar, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,337
Active Disabling Device $1,337
Tracking Device $1,309
Passive Disabling Device $1,295